Get Debt Help Guide

We are always there to help you get debt help...

Debt problems can be all pervasive – if you're having problems it can hit your relationship and your personal well being. If you're feeling depressed or suicidal then the debt advice team at Money Advice Direct are always there to help either through the website or on the phone on 0800 074 6918 to get debt help.

The debt advice team at Money Advice Direct is open 24 hours a day Call us for confidential and non-judgemental debt advice and find out which debt solutions on 0800 074 6918.

The Get Debt Help and Advice Guide

If you are between in debt and need advice then our advice team is here to get debt help. Our advisers are here for you, whatever you need to get debt help will try their best to help and solve the problem.

Some people in debt believe that they can only use advice sites such as Money Advice Direct to get debt help if they have a big debt problem, this isn't true! You can get debt help advice no matter how big or small the debt problems are.

What can you ask The UK Insolvency Helpline about?

Anything you need to! The Aim of Money Advice Direct to for people to get the best debt help and advice on a range of different issues, some of our most common questions are about debt solutions such as the IVA, Bankruptcy , Debt Management and Scottish Protected Trust Deeds but we also advise on topics such as budgeting, money advice, debt after divorce and more!

How do I get advice from Money Advice Direct?

You can get debt help from the advice team in many different ways. You can get advice; by phone, text, e-mail, webchat, and many others. The contact us will show all ways you can get advice, our advisers await your questions.

• Don’t feel guilty - over 2 million people have the same problem.
• Don’t borrow more money to pay off the debts you have.
• Don’t ignore the problem - it won’t go away.
• Don’t agree to sign your home as security. You could lose your home.
• Don’t offer to pay more than you can afford
• Don’t let creditors put pressure on you or harass you. They can be prosecuted for this.
• Don’t panic - there are things you can do

You may come across some words which you may not understand or be familiar with. We have listed some below to help you with the most common ones.

1. Creditor - The person you owe money to
2. Expenditure - The amount you spend on household bills and housekeeping
3. Income - The amount of wages and/or benefit you get each week or month
4. Secured loan - A loan that is secured on your property, e.g. a second
   mortgage. You could lose your home if payments are not maintained.
5. Hire purchase - A loan which is secured on the goods you have bought. You could lose the goods if payments are not maintained.
6. Priority - The people who should be paid first
7. Non-priority - The people paid with whatever amount of money is left

To help you decide who are priority and non-priority creditors we have listed below the most common creditors who are priority creditors and why.

Priority credit - what can happen

• Mortgage/secured loan company repossession or eviction
• Landlord for rent repossession or eviction
• Council Tax bailiff action/imprisonment
• Fuel companies for gas and electricity disconnection
• Magistrates court fines warrant for arrest/imprisonment
• Child maintenance imprisonment
• Income tax and VAT bailiff action/imprisonment
• Hire purchase repossession of goods
• Telephone disconnection
• Rental of goods repossession
• Fixed penalties bailiff action/further costs

When deciding whether a creditor is priority, you may need to look at the credit agreement that was given to you when you bought goods or were given the loan. Many people think they have hire purchase when they have been given a personal loan.

Please contact the debt help team on 0800 074 6918. The advice team will be able to provide callers with the information and advice to determine if their bankruptcy is an option for you.

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